CUMBRIA ANAESTHETICS SERVICES LTD

Executive Summary

Cumbria Anaesthetics Services Ltd is a newly formed micro-entity with a currently stable but fragile financial position, characterized by minimal net assets and working capital. The company is compliant with filing requirements and exhibits sound governance, but the limited financial buffer calls for cautious cash flow management and efforts to build equity. Strengthening financial resilience through profit retention, cost control, and possible additional funding will improve its capacity to withstand future challenges.

CUMBRIA ANAESTHETICS SERVICES LTD - Analysis Report

Company Number: 14496126

Analysis Date: 2025-07-29 21:09 UTC

Financial Health Assessment: CUMBRIA ANAESTHETICS SERVICES LTD

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1. Financial Health Score: C

Explanation:
The company is in its infancy, having been incorporated in late 2022, and operates as a micro-entity under the UK Companies Act. The financial data shows a very modest asset base and minimal net assets, indicating a fragile financial condition typical of a start-up phase. While there are no immediate red flags such as overdue filings or negative net current assets, the very low level of net assets (£307) and working capital (£380) suggest limited financial buffer. This score reflects a company that is currently stable but vulnerable, requiring careful monitoring and prudent management to avoid symptoms of distress.

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2. Key Vital Signs

Metric	Value (£)	Interpretation
Current Assets	13,374	Indicates available liquid and short-term assets
Current Liabilities	12,994	Immediate debts and obligations due within one year
Net Current Assets (Working Capital)	380	Positive but very narrow margin; healthy cash flow is minimal
Fixed Assets	749	Investment in long-term assets; small but positive
Accruals and Deferred Income	822	Obligations recognized but not yet paid; moderate level
Net Assets (Shareholders Funds)	307	Very thin equity base; low cushion against losses
Employee Numbers	1	Small workforce consistent with micro-entity classification
Account Status	Up to date	No overdue accounts or confirmations; compliance is good

Interpretation:

• Working Capital: The company has a small positive buffer to cover short-term liabilities, which is akin to a patient with a slightly elevated pulse—stable but requires close observation.
• Net Assets: The very low net assets indicate that the company has limited accumulated profits or reserves to absorb shocks, much like a patient with low immunity.
• Compliance: Timely filing suggests management is attentive to regulatory requirements, which supports overall corporate health.
• Size and Scale: Being a micro-entity with one employee reflects a lean operation, typical in early stages, but also means limited diversification of risk.

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3. Diagnosis

Cumbria Anaesthetics Services Ltd shows characteristics of a newly established micro-business in the medical specialists sector. The financial "vital signs" are stable but weak, with tiny net assets and working capital just above zero. This is not unusual for a start-up but suggests the company has limited financial resilience to absorb unexpected costs or downturns in revenue. The liquidity position is adequate for now, but the small margin means cash flow management is critical to avoid distress.

The positive current assets exceeding current liabilities indicate the company can meet its short-term obligations, but the very small net asset base highlights a fragile equity position. The business appears compliant and well-managed from a governance perspective, with no overdue filings and a single director/owner who controls all shares and voting rights, implying centralized decision-making.

The financial condition can be likened to a patient who is stable but underweight—there are no signs of acute distress yet, but there is little room for error or unexpected shocks.

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4. Recommendations

To improve financial wellness and strengthen the company’s financial health, consider the following actions:

• Build Equity Cushion: Aim to increase retained earnings through profitable operations or additional capital injection to build a stronger net asset base, enhancing the company’s "immune system."
• Enhance Cash Reserves: Maintain and grow cash and equivalents to improve working capital and ensure a healthier cash flow, reducing liquidity risks.
• Cost Control and Revenue Growth: Monitor expenses closely and seek opportunities to increase revenue, helping to improve profitability and long-term sustainability.
• Regular Financial Monitoring: Implement monthly cash flow forecasts and management accounts to detect any early symptoms of financial stress.
• Consider Additional Funding: If growth is planned, explore external funding options such as loans or equity investment to support expansion without straining cash flow.
• Plan for Contingencies: Establish a buffer for unforeseen expenses to avoid liquidity crises, similar to having a reserve medication on hand.

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